1 | www.cignaglobal.com
Individual Plan for Seniors
An introduction to our health plan specically
designed for individuals aged 60 and over
Cigna Global Health Options
Improving the health and
vitality of those we serve.
3 | www.cignaglobal.com
Contents
Get a quote today
If you’d like a personal quote, simply get in touch with your local broker or visit our website. We’ve kept our quote
process as easy and quick as possible and it should only take 2 minutes to create your personalised quote.
Details of how to get in touch with your broker and other helpful information can be found on page 18 of this
brochure.
Important note:
The medical insurance plan presented in this document has been designed to meet the overall needs of
individuals aged 60 year old and over, and not the specic needs of each customer. As such, this plan may not be
suitable for every senior customer and other alternative plans are also available for review during the enquiry
process. The benets included in the Cigna Global plan for Seniors such as the International Outpatient benets
and the International Health & Wellbeing benets are not mandatory to your cover and can be removed from
your quote at any time and from your policy as per the terms and conditions detailed in the Policy Rules. As
outlined on page 12 of this document, you can add or remove deductible, cost share and optional modules to
build a plan that suits your needs.
04 Why choose Cigna Global plan for Seniors
05 Our promise
06 Our clinical support
08 Our digital healthcare tools
09 Our global expertise
10 Our Whole Health services
12 How to create your plan
13 Summary of benets
17 Your deductible and cost share options
18 What you can expect from us
4 | www.cignaglobal.com
Why choose Cigna Global plan for Seniors
Cigna Healthcare is a truly global health insurer with many years of experience providing health insurance across
multiple groups including customers over the age of 60. We understand what you expect from your health insurer
and have designed the Cigna Global plan for Seniors with your needs in mind.
• With roots in healthcare as deep as 230 years, Cigna is a globally recognised and trusted
health services company. Today, we have 189 million customer relationships that we serve in
more than 30 countries and jurisdictions. We look after them with an extensive international
workforce of 70,000 people.
• We have an extensive medical network of over 2.2 million partnerships. Our network is
comprised of trusted hospitals, clinics and medical practitioners around the world, with more
than 300,000 mental and behavioural health care providers, more than 67,000 contracted
pharmacies, and over 150 in-house doctors and nurses. We use our scale to deliver choice,
predictability, aordability and access to quality care for our customers.*
• “I would recommend Cigna Global very highly. (…) They were the only company who were
not concerned of my age.”
Cigna Global customer, age 76, 2020 Trustpilot review
Reassurance of a trusted global health insurer
• Our Cigna Global plan for Seniors is developed based on continuous and comprehensive
market research and by carefully listening to our customers to best address the needs of
individuals over the age of 60. Especially those who enjoy travelling to new destinations and
want to experience life outside of their home country.
A health plan specically designed for you
• Our Cigna Global plan for Seniors encompasses a range of benets to best address the
needs required by you. The core plan provides the essential coverage for hospital stays and
treatments, including surgeons and specialist consultation fees, hospital accommodations,
nursing and medicines. The plan also provides inpatient and outpatient mental health
coverage and coverage for treatment, testing and vaccines as a result of pandemic.
• To cover you more comprehensively we extended the core oer to include outpatient and
wellness benets. This means that you are covered in case of an urgent accident and
emergency admission. Furthermore, you are provided with tools to manage your overall
health and well-being proactively.
Coverage that provides peace of mind
• You will have access to our Clinical Case Management Programme which provides tailored
medical support from Cigna Healthcare doctors and nurses. See pages 6-7 for examples of
how our customers have beneted from the programme.
Personal medical care and support
* Please note, we may, at our sole discretion and without notication, make changes to the Cigna Healthcare network from time to time by
adding and/or removing hospitals, clinics, medical practitioners and pharmacies.
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Our promise
We understand what it’s like to be globally mobile
Our global presence allows us to access a unique network of professionals and partners,
as highlighted in our Health Blog, so that you can fully prepare yourself for your global adventure.
We’re here to help
• We understand that moving to a new
country can be an exciting but busy time,
and we have resources that can assist you
along your journey.
• The Health Blog on our website has a
host of useful information such as country
guides, information on healthcare systems,
and tips for making the most of your
relocation.
We provide peace of mind
• With an extensive network of over 2.2 million
partnerships, we specialise in delivering
international healthcare with leading medical
providers across the globe to give you peace of
mind.
• Our International Evacuation & Crisis Assistance
Plus™ optional module gives you access to a
worldwide comprehensive crisis assistance
service for your peace of mind while you travel.
We are your Whole Health partner
Whether you are looking for chronic condition management, personalised wellness services
or you require an urgent appointment while abroad, as your Whole Health partner we have you covered.
Convenient healthcare tools and support
• Our team of dedicated doctors and nurses
can provide personalised medical advice
and support.
• Unlimited phone or video doctor
consultations via our Cigna Wellbeing
®
app.
• Our secure online Customer Area will help
you nd a local medical provider.
• Home delivery pharmacy in the USA.
A holistic approach to health
• Our plan provides full cancer care with no
restriction on age.
• We have a range of preventative treatments
and non-symptomatic tests and screenings.
• We oer counselling and coaching sessions
for both emotional and physical support.
• Our clinical programmes help you monitor
and manage any chronic conditions.
We put you rst
You can always count on our dedicated Customer Care team to provide you with
the highest level of service and care in the shortest possible time.
We put you in control
• Our policies are exible and allow you to
create a plan that suits your needs, budget
and gives you peace of mind.
• Your Cigna Global individual policy can be
set up and active within 24 hours.
• Your online Customer Area gives you access
to your policy documents and useful tools.
As well as a range of convenient ways to
contact us.
We put you at the heart of what we do
• Our multilingual Customer Care team are
available for you 24 hours a day.
• Our Customer Care team will provide you
with excellent service wherever you are.
• Direct billing is available with many
providers within our network.
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We are dedicated to helping you and your family live happier, healthier lives thanks to our clinical expertise.
Senior customers have access to our Clinical Case Management programme which includes the following four
services:
Our clinical support
WHAT HAPPENED?
• A customer had been diagnosed with a brain tumour with a complex and
lengthy treatment plan.
WHAT DID WE DO?
• The customer and their family were supported throughout the treatment
by a Clinical Case Manager. Their Case Manager acted as a single point
of contact in Cigna Healthcare, helping them to understand and navigate
through the whole journey, facilitating access to care and coordinating with
all parties to make the process safer, simpler and smoother.
WHAT WAS THE OUTCOME?
• This help and support from the Cigna Healthcare case manager provided
the family with the peace of mind and reassurance that allowed them to
focus on the recovery of their family member.
WHAT HAPPENED?
• Having experienced a heart attack and a stroke on two separate occasions
during the last 5 years, as well as receiving professional therapy on stress
management, the customer called in with serious concerns relating to his
physical and emotional well-being. Due to an increased workload and other
private responsibilities, the customer was concerned that he was living in
fear of suering from another heart attack.
WHAT DID WE DO?
• The clinical team provided instant support to the customer, helping him
understand his situation and how it could be managed. The clinical team then
explained some exercises for the customer to try and helped establish an
action plan to regain control over his concerns.
WHAT WAS THE OUTCOME?
• Being aware that there are professionals always ready to assist when they
need it most, the customer was grateful and voiced his understanding and
appreciation for the support he had received. Awareness of the 24/7 service
availability if needed also provided the necessary peace of mind.
Case Management
Chronic Condition Programme
Feel supported on your medical journey.
Our Case Management service enables you to receive personalised support and assistance from our dedicated
nurses and doctors when you are diagnosed with a complex condition requiring specialist support.
A helping hand to manage your condition.
Our Chronic Condition programme oers you support if you are suering from a chronic condition, to help you
better understand, manage and improve your condition. You will have access to this programme even if the
condition is a special exclusion as detailed on your Certicate of Insurance.
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As part of our Clinical Case Management programme, you have access to doctors worldwide for initial
consultations via telephone or video, or to provide you with expert second medical opinions.
Our clinical support
WHAT HAPPENED?
• A customer was feeling heart palpitations and wasn’t comfortable attending
the local hospital which didn’t have any English-speaking doctors. She used
her Cigna Wellbeing
®
App to schedule a video consultation later in the day
and she was able to upload a le with her previous doctor notes.
WHAT DID WE DO?
• The doctor spent time listening to the customer, discussing her symptoms,
medical history, drug allergies and details of other prescribed medicines. The
doctor put the customer at ease and alleviated her concerns.
WHAT WAS THE OUTCOME?
• The customer felt reassured and more informed about her condition. The advice
she received enabled her to book the adequate follow-up tests and get the
help she needed.
WHAT HAPPENED?
• A customer residing in central Europe was diagnosed with a severe cardiac
condition requiring complex heart surgery. He raised concerns to us about
his treatment options.
WHAT DID WE DO?
• Through our Decision Support programme, the customer received advice
from international cardiologists to book follow-up tests prior to undertaking
surgery. We helped him organise the tests and the medical experts were
able to conrm that surgery was the right course of action.
WHAT WAS THE OUTCOME?
• We arranged an appointment with one of the best cardiac surgeons in
his location to carry out the required surgery. The customer felt reassured
knowing this was the right option for them.
Global Telehealth
Decision Support Programme
Doctor consultations, anytime, anywhere.
Our Global Telehealth service gives you access to licensed doctors around the world for non-emergency health
issues. We can arrange a call back appointment for you often on the same day, or you can arrange a telephone
or video consultation from the Cigna Wellbeing
®
app.
Feel reassured thanks to second medical opinions.
Our Decision Support programme gives you access to global medical experts for advice and recommendations
on your individual diagnosis and treatment plan
IMPORTANT NOTE: The case studies referenced above are based on real life events, however, personal
information has been removed and/or amended to protect the identity of our customers.
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Access care, anytime, anywhere
Log into your secure Online Customer Area
Our digital healthcare tools
We provide you with a host of tools and features to help you manage your health and well-being.
We put you in control
You’ll have access to easy online tools to manage your policy
and submit your claims. With our secure online Customer
Area, you will be able to:
• Access care and easily nd local medical providers;
• Manage your policy and submit and track claims;
• Contact us through our live chat, by messaging us, or by
arranging a callback.
The Cigna Wellbeing
®
App gives you easy access to a suite of healthcare tools, including:
Access Global Telehealth:
Video and phone consultations with
medical practitioners and specialists.
What can I use Global Telehealth for?
• A diagnosis for non-emergency health
issues ranging from acute conditions to
complex chronic conditions
• Non-emergency paediatric care
• Making preparations for an upcoming
consultation
• Discussing a medication plan
Access our Cigna Wellbeing
®
App
Manage your health:
Gain a 360° view of your
health with our health
assessments and access
our chronic condition
management programme
which is led by our highly
experienced nurses who
help you take control of your
chronic condition.
Change behaviour:
Track your biometrics and
access online coaching
programmes designed
to help you make better
decisions relating to
sleep, stress, nutrition and
exercise.
Contacts with Cigna proved very ecient
with excellent communication and good
oer for my needs.
Cigna Global Customer, age 77,
2020, Trustpilot Review
(…) The app and website seemed very easy to
use and our rep through the process was very
supportive and relaxing to deal with.
Cigna Global Customer, 2022,
Trustpilot Review
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We have an extensive medical network of over 2.2 million partnerships. Our
network is comprised of trusted hospitals, clinics and medical practitioners around
the world.
Our global network of trusted hospitals, clinics, and doctors includes:
• Over 300,000 mental and behavioural healthcare providers.
• More than 67,000 contracted pharmacies.
• Over 150 in house doctors and nurses.
For your convenience, direct billing is available with many of our healthcare
providers within our global network.
Access our Global Network
We understand that moving to a new country or travelling abroad can bring excitement as well as uncertainty
and we are dedicated to ensuring your peace of mind. We provide resources and programmes that are exible to
support globally mobile individuals across the globe. We understand the challenges you might face as a globally
mobile individual.
Through their secure online Customer Area, every Cigna Global policyholder
has access to a Travel Information Portal, which is developed by leading travel
security experts. The portal oers global travel advice, country proles, real
time alerts and health threats, including pandemic and epidemic.
• Global health monitoring system, with alert level, location information
and details for each specic alert
• Extensive country proles, with medical and travel guides for over 195
countries
• Health information, on a wide range of diseases including short videos,
fact sheets and tips for travellers
• Pre-trip advice and information on everything from personal security to
natural hazards.
Convenient Travel Information Portal
Make the most of your globally mobile experience
Visit the Health Blog on our website for a host of useful information such as
country guides, information on healthcare systems, and tips for making the most
of your relocation. You can access the Health Blog on our Cigna Global website.
Learn from the experience of
our globally mobile employees
Find out how to maintain a
healthy lifestyle whilst abroad
Our global expertise
Resources for globally mobile individuals
We are available for
you 24/7 and we will
aim to answer your
call within 20 seconds.
Our multicultural
Customer Care team
can assist you in
many languages.
Contact us in a
manner that works
for you: Live chat,
call us, email us or
request a callback.
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Our Whole Health services
As part of our International Health and Well-being benets, you will have access to our wellness companion services,
comprising of the Life Management Assistance programme and the Telephonic Wellness Coaching.
Your Wellness Companion Services
• Short-term counselling up to 6
sessions that can be conducted via
telephone, video, or face to face.
• Common examples: managing stress,
providing support for couples’ and
family relationships, dealing with
bereavement, and more.
• In addition to short-term
counsellings, for patients diagnosed
with depression or anxiety, they will
have access to 20 sessions with a
CBT psychologist.
• Live assistance is always available to provide
immediate support and a tangible action
plan and next steps.
• We can provide pre-qualied referrals to
support your work-life balance challenges,
including relocation logistics, child or
eldercare, legal or nancial services.
Emotional support
Practical needs
Manager Assist
• Consultative service
for managers
looking to develop
their people
management skills.
Life coaching
• Matching employees
to a professional
coach to support
their personal and
professional goals.
Career support
Online Cognitive Behavioural
Therapy (CBT) programme
• Self-help programme to build
resilience and improve well-being.
• 7 online sessions, with the option of
email or telephone support from a
counsellor to track your progress.
• Unlimited access for 6 months.
Mindfulness Coaching
• Access 6 coaching sessions with an MBSR-
trained health and wellness professional if you
are experiencing stress, and challenges with
focus and concentration.
• You will receive personalised support, as well as
online resources for self-guided practice.
Behavioural Health
• We can help you reach your
nutrition, tness, sleep, and
weight management goals via our
Telephonic Wellness Coaching.
• You will be matched to your own
wellness coach to identify goals
that are important to you, build
an action plan and receive ongoing
support for lasting changes.
Physical support
You will be matched
with a counsellor or
coach who best meets
your particular needs.
Our CBT programme can help those experiencing mild-to-moderate anxiety, stress or depression.
Support is available
24/7, with multiple
language options*.
We can help with career
development and
performance improvement.
* For certain queries, our Customer Service team may direct you to our in-house team of specialists who are available during working hours
(Monday to Friday from 8am to 8pm CET).
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Face-to Face
Counselling Support
WHAT HAPPENED?
• “Do you believe Ageism is
a thing?” A customer who
had experienced severe
turmoil throughout his life
asked, after suering from
an identity crisis. Long before
reaching out for support,
due to committing his life to
one career and the fact of
reaching a certain age, he
found himself in a situation
that seemed to have no
positive alternative.
WHAT DID WE DO?
• Through single-session
therapy our specialist
managed to identify the
root cause of the problem
and address the fears of
entering a new chapter of
the customer’s life. Referring
to theories and life-examples,
the clinician managed to
successfully discuss the issue
and recommend a course of
course of action aimed aim to
help the customers.
WHAT WAS THE OUTCOME?
• Emotions and concerns
can cause self-doubt and
make people believe things
that are not always true,
especially if not voiced with
anyone. After one session,
the customer felt energised
and realised the benets of
progressing into generativity
instead of being stagnant in
his retirement.
Wellness Coaching
WHAT HAPPENED?
• A customer contacted us for
support with improving their
eating habits and tness
goals, as they had gained
around 50 pounds, which
had negatively impacted
their physical and mental
health, and overall quality of
life.
WHAT DID WE DO?
• We started by helping the
customer set achievable
goals and create a plan
to incorporate exercise
into their daily routine. We
encouraged the use of a
tness app to track their
activity and food intake,
while also focusing on the
positives they experienced.
By doing so, the customer
felt healthier and more
motivated.
WHAT WAS THE OUTCOME?
• Over the course of six
sessions, with the help of
our experts and digital
technology, the customer
lost 29 pounds. Their health
and tness improved, they
hit their goals and became a
positive role model for their
children.
Practical needs
WHAT HAPPENED?
• A customer reached out
looking for resources for
himself. He explained that
he had a speech disorder
following an accident and
wanted to work on building
his condence for work and
socialising.
WHAT DID WE DO?
• The Elder Care Consultant
was able to work with the
customer to determine the
best course of action to help
him reach his goals. Together
they identied a speech
pathologist to help him work
on his speech and skills, along
with support groups to help
build a support system. He
was also transferred to a
clinician to schedule sessions
to help work through his
anxiety of speaking.
WHAT WAS THE OUTCOME?
• Having listened to the
customers problems,
our consultant provided
educational material
on rebuilding self-
condence and set out
recommendations on a
treatment plan. We used our
best available resources to
nd the support that could
help the customer regain
control over his speech
disorder.
Our Whole Health services
The Wellness Companion service will match you with a qualified counsellor or wellness coach to assist
you with any work, life, personal or family challenge.
IMPORTANT NOTE: The case studies referenced above are based on real life events, however, personal
information has been removed and/or amended to protect the identity of our customers.
Your Wellness Companion Services
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How to create your plan
Creating a comprehensive, exible Cigna Global plan for Seniors is simple.
1. Your Core Cover
By opting for a core plan that includes International Medical Insurance, Outpatient (optional) and Health &
Wellbeing (optional) benets, you have access to an extensive cover at a discounted price. It gives you essential
cover for hospital stays and treatments, as well as access to a range of outpatient consultations with specialists and
preventative services. You have the choice not to select the Outpatient and \ or the Health & Wellbeing benets as
part of your core plan, as these modules are optional and can be added later on to your cover subject to the terms
and conditions of your policy.
This is the core cover for treatment that you receive under your Cigna Global plan for Seniors:
• Costs for treatment accommodation, hospital
charges and rehabilitation;
• Mental and behavioural health care;
• Cancer care including cancer preventative surgery;
• Outpatient consultations with specialists and medical
practitioners, including a vast range of rehabilitation
treatments;
• Prescribed drugs or dressing that you may require on
an outpatient basis;
• Preventative cancer screenings;
• Non-symptomatic annual routine physical
examinations;
• Access to counsellors for emotional support and
wellness coaches for improved physical well-being.
You have two areas of coverage to choose from:
WORLDWIDE
EXCLUDING USA
WORLDWIDE
INCLUDING USA
You have three currencies to choose from:
£
$
€
EUR GBPUSD
Annual benets
Up to the maximum amount per beneciary per period of cover
$1,000,000 / €800,000 / £650,000
2. Add optional modules
International Evacuation & Crisis Assistance Plus
TM
This optional module provides you with medical
evacuation in the event of an emergency and global
crisis response services.
• Emergency transport to a centre of medical excellence;
• Repatriation home following a serious medical incident;
• Costs for compassionate visits;
• Global crisis response services in the event of a travel
or security risk that may occur while you and your
family are travelling globally.
International Vision & Dental
This optional module provides you with comprehensive
dental and vision cover.
• Preventative, routine and major dental treatments;
• Routine eye examination and costs for glasses and
lenses.
3. Manage your premium
You have the exibility to adjust your premium to suit
your budget with a wide range of:
These are voluntary amounts that you choose to pay that are not covered by your plan.
If you choose a deductible and/or cost share, your premium will be lower than it otherwise would be.
DEDUCTIBLES COST SHARES
4. Manage your payment options
Finally, you have the freedom to choose at which frequency you pay for your policy.
If you choose an annual or quarterly payment, your premium will be slightly lower than it otherwise would be.
MONTHLYANNUALLY QUARTERLY
You can make payments by debit or credit card, or if you pay annually, you can pay by bank wire transfer.
13 | www.cignaglobal.com
International Medical Insurance
Benet Limit
Annual overall benet maximum - per beneciary per period of cover
$1,000,000
€800,000
£650,000
Hospital charges
• Nursing and accommodation for inpatient and daypatient treatment, and recovery room;
• Operating theatre;
• Prescribed medicines, drugs and dressings for inpatient or daypatient treatment only;
• Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging);
• Treatment room and nursing fees for outpatient surgery (we will only provide the nursing fees whilst a beneciary is
undergoing surgery);
• Intensive care: intensive therapy, coronary care and high dependency unit;
• Surgeons’ and anaesthetists’ fees;
• Inpatient and daypatient specialists’ consultation fees;
• Emergency inpatient dental treatment.
Private room
Hospital accommodation for a parent or guardian
$1,000/€740/£665
Pandemics, epidemics and outbreaks of infectious illnesses
Inpatient cash benet
• Per night up to 30 days per beneciary per period
of cover.
$100/€75/£65
Accident and Emergency Room Treatment
• For necessary emergency treatment.
$500/€370/£335
Transplant services
Kidney Dialysis
Advanced Medical Imaging (MRI, CT and PET scans)
• As part of inpatient, daypatient or outpatient treatment.
$10,000/€7,400/£6,650
Rehabilitation
We will pay for:
• Physiotherapy;
• Occupational therapy;
• Cognitive and Speech therapies; and
• Cardiac and pulmonary rehabilitation.
$5,000/€3,700/£3,325
Up to 30 days
Home nursing
$2,500/€1,850/£1,650
Up to 30 days
Acupuncture & Chinese Medicine
$1,500/€1,100/£1,0
Palliative care
$35,000/€25,900/£23,275
Prosthetic devices
Local ambulance & air ambulance services
Mental and Behavioural Health Care
• As part of inpatient, daypatient or outpatient treatment.
$5,000/€3,700/£3,325
Up to 30 days*
Cancer preventative surgery
70% refund up to
$10,000/€7,400/£6,650
Cancer care
Cancer related appliances
• Includes wigs / headbands and mastectomy bras for cancer patients
$125/ €100/£85 per
lifetime per cancer related
appliance
Congenital conditions
$5,000/€3,700/£3,325
Newborn Care
• The newborn may be required to be medically underwritten.
$25,000/€18,500/£16,500
Up to 90 days
Summary of benets
Paid in full, up to the annual benet maximum, if applicable, for your selected plan per beneciary per period of cover.
Waiting period applies.
Please note, this is a representation of the benets available and does not contain the terms, conditions, and exclusions specic to each benet.
The benets may be subject to change. Please see the Customer Guide for full details.
*Day limit only applies to inpatient and daypatient treatments.
** For treatment incurred in either Hong Kong or Singapore, this benet is only available once the mother has been a beneciary under this policy for a continuous period of at
least 24 months or more.
Our Cigna Global plan for Seniors starts with International Medical Insurance, your inpatient and daypatient
benets. In addition, International Outpatient benets and International Health and Wellbeing benets are also
included in the main cover.
12 MONTHS**
12 MONTHS
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International Outpatient
Benet Limit
Annual International Outpatient benet maximum - per beneciary per period of cover.
$15,000
€12,000
£9,650
Consultations with medical practitioners and specialists
$2,500/€1,850/£1,650
Telehealth consultations
• Virtual doctor consultations with chosen
healthcare provider.
• Combined benet limit with the consultations with medical practitioners and specialists benet.
$2,500/€1,850/£1,650
Prescribed drugs and dressings
$1,500/€1,100/£1,000
Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging)
$2,500/€1,850/£1,650
Outpatient Rehabilitation
We will pay for:
• Outpatient Physiotherapy;
• Outpatient Occupational therapy;
• Osteopathy and Chiropractic treatment;
• Speech therapy;
• Cardiac and pulmonary rehabilitation.
$5,000/€3,700/£3,325
Hormone Replacement Therapy
$250/€185/£165
Acupuncture & Chinese medicine
• Up to a combined maximum of 15 consultations per period of cover.
$2,500/€1,850/£1,650
Durable medical equipment
Hearing Aids
$500/€370/£335
Adult vaccinations
$250/€185/£165
Dental accidents
$1,000/€740/£665
Child and Adolescence Wellbeing health
60+ Care (Chronic Condition Management)
• To cover outpatient treatment and prescribed drugs for the maintenance of the chronic conditions
$500/€370/£335
International Medical Insurance (Continued)
Benet Limit
Out of Area Emergency Hospitalisation Cover
• For beneciaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment
costs.
$100,000/€75,000/£65,000
Global Telehealth
Global Telehealth with Teladoc
• Video and phone doctor consultations via the Cigna Wellbeing
®
App, or via a referral from our Customer Care team for
non-emergency health issues.
Unlimited consultations
OPTIONAL
MODULE
Paid in full, up to the annual benet maximum, if applicable, for your selected plan per beneciary per period of cover.
Please note, this is a representation of the benets available and does not contain the terms, conditions, and exclusions specic to each benet.
The benets may be subject to change. Please see the Customer Guide for full details.
15 | www.cignaglobal.com
International Health & Wellbeing
Benet Limit
Life Management Assistance programme
• 24/7 access to counsellors for mental and behavioural health support.
Mental Health Support Programme
• Up to 20 face to face counselling sessions per condition per period of cover.
Wellness Coaching
• Access to a personal wellness coach for lasting lifestyle changes.
Routine adult physical examination
$325/€250/£220
Footcare by a Chiropodist or Podiatrist
$225/€165/£150
up to 5 sessions
Cervical cancer screening
$325/€250/£220
Prostate cancer screening
$325/€250/£220
Breast cancer screening
$325/€250/£220
Bowel cancer screening
$325/€250/£220
Skin cancer screening
$325/€250/£220
Lung cancer screening
$325/€250/£220
Bone densitometry
$225/€165/£150
Diabetes screening
$325/€250/£220
Dietetic consultations
• 1 consultation available to all eligible beneciaries
• Up to 4 consultations per period of cover, if medically necessary.
$325/€250/£220
Paid in full, up to the annual benet maximum, if applicable, for your selected plan per beneciary per period of cover.
Please note, this is a representation of the benets available and does not contain the terms, conditions, and exclusions specic to each benet.
The benets may be subject to change. Please see the Customer Guide for full details.
OPTIONAL
MODULE
Updated
Updated
Updated
Updated
Updated
Updated
Updated
Updated
New
16 | www.cignaglobal.com
International Vision & Dental
Benet Limit
Vision Care
Eye Test
• 1 eye examination per period of cover.
$100/€75/£65
Expenses for:
• Spectacle lenses;
• Contact lenses;
• Spectacle frames;
• Prescription sunglasses.
$155/€125/£100
Dental Treatment
Annual Dental benet maximum - per beneciary per period of cover.
$1,250/€930/£830
Preventative
Routine
80% refund
Major restorative
70% refund
Orthodontic treatment
• Available up to 18 years old
40% refund
12 MONTHS
18 MONTHS
3 MONTHS
3 MONTHS
Paid in full, up to the annual benet maximum, if applicable, for your selected plan per beneciary per period of cover.
Waiting period applies.
Please note, this is a representation of the benets available and does not contain the terms, conditions, and exclusions specic to each benet.
The benets may be subject to change. Please see the Customer Guide for full details. *Day limit only applies to inpatient and daypatient treatments.
The following details the optional benets available to add to your core cover. You can add as many optional
benets as you wish to build a plan that suits your needs.
International Evacuation & Crisis Assistance Plus™
Benet Limit
International Medical Evacuation Annual benet maximum - per beneciary per period of cover.
Crisis Assistance Plus™ Programme
• This programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you
when you’re travelling.
FocusPoint International
®
will
pay for crisis consulting expenses
and other additional expenses
per covered response (up to
a maximum of two physical
incidents per beneciary per
period of cover)
Medical evacuation
Medical repatriation
Repatriation of mortal remains
Travel cost for an accompanying person
Compassionate visit - travel costs
• Up to a maximum of 5 trips per lifetime.
$1,200/€1,000/£800
Compassionate visit - living allowance costs
Per day up to 10 days per visit.
$155/€125/£100
OPTIONAL
MODULE
OPTIONAL
MODULE
17 | www.cignaglobal.com
Deductible
This is the amount you must pay towards your
cost of treatment until the deductible for the
period of cover is reached.
Cost Share
This is the cost share
percentage you must
pay toward your cost of
treatment.
Out of Pocket Maximum
This is the maximum amount of
cost share you have to pay per
period of cover.
International
Medical Insurance
$0
$375
$750
$1,500
$3,000
$7, 500
$10,000
€0
€275
€550
€1,100
€2,200
€5,500
€7, 4 0 0
£0
£250
£500
£1,000
£2,000
£5,000
£6,650
0%
10%
20%
30%
$2,000 €1,480 £1,330
$5,000 €3,700 £3,325
International
Outpatient
$0
$150
$500
$1,000
$1,500
€0
€110
€370
€700
€1,100
£0
£100
£335
£600
£1,000
0%
10%
20%
30%
$3,000 €2,200 £2,000
Your deductible and cost share options
Our wide range of deductible and cost share options allow you to tailor your plan to suit your needs. You
can choose to have a deductible and/or a cost share on the International Medical Insurance or International
Outpatient benets. If you do so, your premium will be lower than it otherwise would be.
Claim value: $1,200
Deductible: $375
Once the deductible
amount has been
reached, we pay
for all subsequent
treatment costs for
this period of cover.
$375 $825
You pay the
$375 deductible
We pay
$825
Claim: $1,200
Claim value: $5,000
Deductible: $0
Cost share: 20% = $1,000
Out of Pocket Maximum: $2,000
The amount of cost
share is subject to
the capping eect
of the out of pocket
maximum.
$1,000 $4,000
You pay
the $1,000
cost share
We pay
$4,000
Claim: $5,000
20% of $5,000
is $1,000
Example 1: DEDUCTIBLE
Example 2: COST SHARE
Claim value: $20,000
Deductible: $0
Cost Share: 20% = $4,000
Out of Pocket Maximum: $2,000
The out of pocket
maximum protects
you from large cost
share amounts.
$2,000
$18,000
You pay the
$2,000
cost share
We pay
$18,000
Claim: $20,000
Example 3: COST SHARE AND OUT OF POCKET MAXIMUM
20% of $20,000 is $4,000,
however the out of pocket
maximum limits your costs
to $2,000
Claim value: $20,000
Deductible: $375
Cost Share: 20% = $3,925
Out of Pocket Maximum: $5,000
The deductible is
due before the cost
share is calculated.
$3,925 $15,700
Claim: $20,000
Example 4: DEDUCTIBLE AND COST SHARE
You pay the $375
deductible and
$3,925 cost share
We pay
$15,700
20% of $19,625
is $3,925
$375
If you have selected a deductible and/or cost share, the examples below demonstrate how it works.
18 | www.cignaglobal.com
What you can expect from us
Once you join Cigna Healthcare, your policy documents, including your Cigna Healthcare ID card(s), will be available in
your secure online Customer Area.
Your policy documents include the following:
Customer Guide
Learn how your plan works
and see all the benets you
have access to.
Policy Rules
The terms and conditions,
general exclusions and
denitions of your policy.
Certicate of
Insurance
A record of your plan,
premium, level of cover and
beneciaries.
Cigna Healthcare
ID Card
Proof of your identity and
cover for when you need
treatment.
Customer Guide
Everything you need to know about your plan
Cigna Global Health Options
Policy Rules
Terms, General Exclusions and Definitions
relating to your plan
Cigna Global Health Options
Get a quote today
If you’d like a personal quote, simply get in touch with your local broker.
We’ve kept our quote process as easy and quick as possible and it
should only take 2 minutes to create your personalised quote.
Call us
If you’d like to contact our
Sales team, please reach
out to one of the following
numbers:
Inside the USA:
877 539 6295
Outside the USA:
+44 (0) 1475 492 119
For more contact
information, simply visit
our website
www.cignaglobal.com.
Broker name:
Broker telephone:
Broker rm:
Broker email:
Broker URL:
“
Sheila | Doha
“
We are on hand to help you nd the right health
plan for you and your family.
“
Juliana | California
Agent who was articulate and
knowledgeable. Made a number of calls at
times I was available. Managed all aspects
and questions professionally.
“
“
Condent, knowledgeable Customer Service
Representative Andrew. Reassuring, totally
understood our requirements.
591560 CGHO Senior Plan Sales Brochure EN 02/2024
For policies arranged through our Dubai International Finance Centre oce, under insurance license Cigna Global Insurance Company Limited, the
underwriting agent is Cigna Insurance Management Services (DIFC) Limited which is regulated by the Dubai Financial Services Authority.
Policies in Singapore are underwritten by Cigna Europe Insurance Company S.A.-N.V. Singapore Branch (Registration Number: T10FC0145E), a foreign branch
of Cigna Europe Insurance Company S.A.-N.V., registered in Belgium with limited liability, with its registered oce at 152 Beach Road, #33-05/06 The Gateway
East, Singapore 189721.
“Cigna Healthcare” and the “Tree of Life” logo are registered service marks of Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and
its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, and not by The Cigna Group. Such operating
subsidiaries include Cigna Global Insurance Company Limited, Cigna Life Insurance Company of Europe S.A.–N.V., Cigna Europe Insurance Company S.A.-N.V.
and Cigna Worldwide General Insurance Company Limited. © 2024 Cigna Healthcare
The following statements are applicable to Singapore policies underwritten by Cigna Europe Insurance Company S.A.-N.V.
Singapore Branch:
You may wish to seek advice from a qualied adviser before making a commitment to purchase this product. In the event that
you choose not to seek advice from a qualied adviser, you should consider whether the product in question is suitable for
you. Buying health insurance products that are not suitable for you may impact your ability to nance your future healthcare
needs. If you decide that the policy is not suitable after purchasing it, you may terminate the policy in accordance with the
free-look provision, if any, and we may recover from you any expense incurred by us in underwriting the policy.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more
information on the types of benets that are covered under the scheme as well as the limits of coverage, where applicable,
please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
Important notes:
The medical insurance plan presented in this document has been designed to meet the overall needs of individuals aged 60 year old and over, and not the
specic needs of each customer. As such, this plan may not be suitable for every senior customer and other alternative plans are also available for review
during the enquiry process. The benets included in the Cigna Global plan for Seniors such as the International Outpatient benets and the International
Health & Wellbeing benets are not mandatory to your cover and can be removed from your quote at any time and from your policy as per the terms and
conditions detailed in the Policy Rules. As outlined on page 12 of this document, you can add or remove deductible, cost share and optional modules to build a
plan that suits your needs.
This document serves only as a reference and does not form part of a legal contract. The information herein is believed accurate as of the
date of publication and is subject to change. This material is intended for informational purposes only and contains a partial and general description of
benets. We recommend that you examine your (product) policy in detail to be certain of precise terms, conditions and coverage. Coverage and benets are
available except where prohibited by applicable law.
